BlastPoint's Banking Scorecard
Bank of the Orient
Community
Specialty: Commercial
CA
FDIC cert 20387
San Francisco, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Bank of the Orient faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.69% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+16.3% YoY
+6.7% QoQ
|
-$269.5M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$939.9M
+20.1% YoY
+9.2% QoQ
|
-$35.6M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$953.5M
+18.1% YoY
+6.8% QoQ
|
-$211.1M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.68%
-16.8% YoY
-16.1% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
3.66%
+1.0% YoY
-0.2% QoQ
|
0 |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
72.29%
+6.5% YoY
+7.2% QoQ
|
+9.66% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.84%
+45.8% YoY
-9.7% QoQ
|
+0.21% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
98.57%
+1.7% YoY
+2.2% QoQ
|
+15.51% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
12.41%
-10.2% YoY
-6.4% QoQ
|
-8.64% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.70%
+50.7% YoY
-24.4% QoQ
|
+0.20% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.05%
-69.3% YoY
-15.1% QoQ
|
-0.69% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.05%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
65
65th pctile
Total Loans
Current: $939.9M · Tier avg: $975.5M
57
57th pctile
Total Deposits
Current: $953.5M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
31
31th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
22
22th pctile
Efficiency Ratio
Current: 72.29% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.41% · Tier avg: 21.05%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.57% · Tier avg: 83.06%
2
2th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.74%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.57% · Tier avg: 83.06%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.41% · Tier avg: 21.05%
18
18th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
22
22th pctile
Efficiency Ratio
Current: 72.29% · Tier avg: 62.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.63%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Deposits
Current: $953.5M · Tier avg: $1.2B
65
65th pctile
Total Loans
Current: $939.9M · Tier avg: $975.5M